AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC); Board
of Governors of the Federal Reserve System (Board); Federal Deposit Insurance
Corporation (FDIC); and Office of Thrift Supervision, Treasury (OTS).

ACTION: Proposed guidance; extension of comment period.

SUMMARY: On January 13, 2006, the OCC, Board, FDIC, and OTS (the Agencies)
published for public comment proposed Interagency Guidance on Concentrations
in Commercial Real Estate Lending, Sound Risk Management Practices. The
Agencies are extending the comment period on the proposed guidance for 30
days.

DATES: Comments must be submitted on or before April 13, 2006.

ADDRESSES: The Agencies will jointly review all of the comments submitted.
Therefore, interested parties may send comments to any of the Agencies and
need not send comments (or copies) to all of the Agencies. Please consider
submitting your comments by e-mail or fax since paper mail in the Washington
area and at the Agencies is subject to delay. Interested parties are invited
to submit comments to:

OCC: You should include "OCC" and Docket Number
06-01 in your comment. You may submit your comment by any of the following
methods:

Instructions: All submissions received must include the agency name (OCC)
and docket number for this notice. In general, the OCC will enter all comments
received into the docket without change, including any business or personal
information that you provide.

You may review comments and other related materials by any of the following
methods:

Viewing Comments
Personally: You may personally inspect and photocopy comments at the
OCC's
Public Information Room, 250 E Street, SW., Washington, DC. You
can make an appointment to inspect comments by calling
(202) 874-5043.

Viewing Comments Electronically: You may request that we send you an
electronic copy of comments via e-mail or mail you a CD-ROM containing electronic
copies by contacting the OCC at regs.comments@occ.treas.gov.

Docket Information: You may also request available background documents
and project summaries using the methods described above.

Board: You may submit comments, identified by Docket No. OP-1248, by
any of the following methods:

All public comments are
available from the Board's Web site at www.federalreserve.gov/generalinfo/foia/ProposedRegs.cfm as
submitted, unless modified for technical reasons. Accordingly, your comments
will not be edited to remove any identifying or contact information.
Public comments may also be viewed in electronic or paper form in Room
MP-500 of
the Board's Martin Building (20th and C Streets, NW.) between 9 a.m.
and 5 p.m. on weekdays.

Hand Delivery/Courier: Guard station at the rear of the 550 17th Street
Building (located on F Street) on business days between 7 a.m. and 5 p.m.
Instructions: All submissions received must include the agency name.
All comments received will be posted without change to http://www.fdic.gov/regulations/laws/federal/propose.html including any personal information provided.

Public Inspection: Comments may be inspected and photocopied in the FDIC
Public Information Center, Room E-1007, 3501 North Fairfax Drive, Arlington,
VA, between 9 a.m. and 4:30 p.m. on business days.

OTS: You may submit comments, identified by docket number 2006-01, by
any of the following methods:

Instructions: All submissions received must include the agency name and
docket number for this proposed Guidance. All comments received will be
posted without change to the OTS Internet Site at http://www.ots.treas.gov/pagehtml.cfm?catNumber=67&an=1,
including any personal information provided.

Docket: For access to the docket to read background documents or comments
received, go to http://www.ots.treas.gov/pagehtml.cfm?catNumber=67&an=1.
In addition, you may inspect comments at the OTS's Public Reading
Room, 1700 G Street, N.W., by appointment. To make an appointment for
access, call (202) 906-5922, send an e-mail to public.info@ots.treas.gov, or send
a facsimile transmission to (202) 906-7755. (Prior notice identifying the
materials you will be requesting will assist us in serving you.) We schedule
appointments on business days between 10 a.m. and 4 p.m. In most cases,
appointments will be available the next business day following the date
we receive a request.

SUPPLEMENTARY INFORMATION:
On January 13, 2006, the Agencies published for comment proposed guidance
entitled "Concentrations in Commercial Real Estate Lending, Sound
Risk Management Practices" (Guidance). 71 FR 2302. The proposal
stated that any comments on the proposal must be submitted on or before
March 14, 2006.

In response to the solicitation of comments, the Agencies have received
several hundred comments on the proposal, including a request from a
financial institutions trade association to extend the comment period.
In light of
the wide public interest in the proposal and the Agencies' desire
to provide the public with sufficient time to consider the proposal and
formulate any comments, the Agencies have decided to extend the comment
period on the proposal by 30 days. The comment period
will now run through April 13, 2006.